Recommended Reading
and Self-Study Resources

Each year our agency receives thousands of inquiries from consumers seeking answers and guidance relating to their debt and financial affairs. While we strive to respond personally to each inquiry, many of these inquiries are generic in nature. In other words, the questions are not very specific and/or relates to a subject matter which really requires self-study.

Example of these questions are:

• I'm in debt up to my ears. How can I manage my finances?
  
  
• Collecton agencies are harrassing me. What can I do?
  
  
• I have no idea on how to create a household budget. I need help!
  
  
• If I ignor my debts, what can my creditors do to me?

To assist consumers who make such inquiries and for anyone seeking answers to their financial questions, we offers hundreds of articles and resources. As it would take an enormous amount of time and effort for our agency to offer personal responses to these types of inquiries, we ask that you conduct a research for any subject of interest. In most cases, these articles are better than a personal reply as they are professionally written and designed to be very comprehensive.

Each and every day of your life you incur expenses and, in some way, must deal with personal finances. Whether it's paying the rent, buying milk, driving a car, or simply sending out a postcard. How well you are at managing personal finances has a direct bearing on your ability to provide for yourself and your loved one. Realizing this, does it not make sense to become an expert in personal finance!

For those individuals needing to learn the basics, we would suggest picking up a copy of Personal Finance for Dummies. Homeowners, or anyone considering home ownership, would be wise to read All About Mortgages.

In the 21st century, having a credit card is almost a necessity. Card cards offer some incredible benefits —but they also carry risks!

Many well intentioned consumers have been brought to financial ruins using credit cards. To avoid the pitfalls, learn the secrets that credit card companies don't want you to know with What Every Credit Card User Should Know.

Road To Debt Freedom is an essential guide to managing, understanding and eliminating debt! While this book is a MUST read for anyone burdened with debt, if so empowered, we would make it mandatory reading before anyone was granted credit.

For information on how any circumstances can be overcome using uncommon sense and proven, time-tested methods to raise cash, cut costs and reduce debt, we suggest reading, Cash Now: The Uncommon Sense Guide to Raising Cash Fast and Rapid Debt Reduction

If you are strugling to make ends meet and you do not have a budget, we highly suggest that you read The Budget Kit

Another must read that's sure to save you bucks and help to balance your pocketbook is How To Save Money Everyday.

Legal Strategies to Cope With Your Debts is an invaluable guide for consumers in debt seeking to resolve their financial obligations and legal troubles. From credit card bills to student loans, this book provides practical strategies for getting out of debt and getting a fresh start.

The Debtor's Guide To Dumping Collection Agencies is a bill of rights for the consumer, explaining what is legally required of creditors, and what they cannot do to those they pursue.

Bankruptcy: Is it the Right Solution to Your Debt Problems? answers the bankruptcy questions may keep you up at night. If you are trying to decide whether or not to file for bankruptcy, this book is a must read.

In addition, we offer a full array of related books in the Bookstore For Money Management